Accounts For Minors

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We offer both savings accounts and student checking accounts to help you reach your future goals. Having and using bank accounts helps build financial literacy, so we do not charge maintenance fees on these accounts. Parents may co-own the account with the child, which helps provide hands-on tools to learn money management.

Student checking accounts are generally made available for high school students. They are issued a check card. This is NOT a credit card. It works like a check, but has fraud protection. If it is lost or stolen, it can be replaced, unlike cash. Daily spending limits can be set, as well as balance alerts and other messages to advise the teen and the parent of activity or low balances on the account. Employed teens can have paychecks deposited directly to their account. Parents can manage allowances by setting up recurring transfers from their account to the teen’s account.

An online check register is available to help teens keep track of their spending. (click here)

Click here for a tutorial on operating a checking account for the first time.

Download the Printable PDF Download the Printable PDF SAVINGS STUDENT CHECKING
Age Requirement 18 & Under 18 & Under
Minimum Opening Deposit $0.01 $20
Monthly Maintenance Fee waived waived
# of Permitted Withdrawals/Cycle 6 unlimited
ATM/Check Card N/A Included
E-Statements Included Included
Internet Banking (without bill pay) Included Included
Mobile Banking Included Included
Direct Deposit Available Available
On-line Transfers Available Available

What to Bring?

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. Here's what you will need to bring:

Personal information such as your name, current address and social security number

  • A deposit with which to open the account — either a check or cash
  • Two forms of identification — applies to all person(s) who will sign on the account
    • A government issued ID with a photo — (Ex. driver's license, state ID, or passport)
    • A second form of ID —(Ex. Social Security card, insurance card or credit card with your name and an expiration date that shows it is current)